New LLCs and startup businesses who need commercial equipment to begin generating revenue. We work with lenders who understand that every established business started as a startup.
Initial application is intended for matching. If a lender needs a hard credit pull, you will be notified first.
New LLCs with no operating history. Personal credit score, down payment, and EIN are the foundation of your startup equipment application.
Getting your first piece of commercial equipment under your LLC. Starting smaller improves access and helps build business credit history.
Using your first equipment loan to establish a commercial credit profile for your LLC. On-time payments compound into better terms over time.
The right equipment lets your LLC start generating revenue immediately. Lenders understand this and some programs are designed specifically for it.
Recently formed contractor LLCs getting their first truck, trailer, or equipment to start taking jobs.
Entrepreneurs forming their first LLC and needing commercial equipment to operate from day one.
Employees starting a side business LLC who need equipment to begin generating additional income.
New business owners building their first LLC and starting their commercial credit profile simultaneously.
Name, phone, credit range, and the unit you want. No hard pull at this stage.
Commercial lenders who understand your equipment type and business situation.
Most approvals happen within minutes to a few hours. We move fast so you don't lose the unit.
Once approved, move on the unit before another buyer does. Quality commercial equipment moves fast.
Without business history, lenders rely on your personal credit. A score above 620 opens significantly more options for startup LLCs.
More down means less risk for lenders. Startup LLCs with 20%+ down have dramatically more options than those without.
Articles of Organization, EIN confirmation, and a business bank account make your application look serious to lenders.
Find current inventory on Torque Hub and apply when you find the right unit.
Yes. Some lenders work with day-one LLCs. Personal credit and down payment carry the most weight for new business entities.
Typically your EIN, Articles of Organization, personal ID, and income documentation.
Financing under your LLC builds business credit from day one. Most commercial lenders prefer LLC structures.
Lower price point equipment and trailers are most accessible.
Make all payments on time. Some commercial lenders report to business credit bureaus.
Apply and find out what startup programs are available. Takes less than 2 minutes.
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